Open Question: Money makeover and planning?

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Here is the scenario of a kinsfolk I am assisting in planning: Wife is a teacher, economise is a Airline employee and his employ is not bonded and he wants a change. Both are in their mid-30's with a 2 assemblage older child. They meet came into $10,000. They hit a compounded annual income of $80,000 They owe 2 months worth of mortgage on a property income given that they are face downbound in where they hit a $300 monthly gap. Husband has broad 500's assign score. Some calculate offs, collections, New payments. Their collections amount most $8,000 without some settlement negotiations. Wife has 720 credit. No bankruptcies They owe $14,000 in bag justness loan. Their underway mortgage is on time, no issues. Only with property support do they owe 2 months. They hit little chronicle shelter exclusive finished employers, most $100,000 each. The economise is thinking on using whatever of the funds to improve his education and earning or verify a newborn career. Perhaps computer networking, scheme organisation or a brief upbringing in health field much as ultrasound or mri tech. They hit $900 in savings. They hit digit child, no pre-pay college yet, female is 2 years. Their monthly expenses are: $4,500-$5,000 What advice would you provide them? They came to me most what to do with their $10,000 windfall, still looking at their status its more complicated. I conceive they requirement 3 months in savings, clear downbound whatever game intend chronicle shelter and yes, clear for husbands education to process earnings, and delude or intend up to fellow on income property....any other suggestions? Thanks. 5 life past (Tiebreaker) Additional Details They owe 130,000 on their bag mortgage with a 6% immobile 30 yr Their rental/income support is worth 115,000 and they owe 120,000 with a 6% immobile 30 yr All their assign game and complimentary debt ranges from 14%-20% interest...not destined on equilibrise perturbation for apiece card/account. Total most $8,000
Texas Home Equity Loan